Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$829,189Cash toward the purchase price.
Closing costs + prepaids$22,615Not just lender fees.
Before credits & paid funds$851,804The complete starting cash picture.
Estimated remaining funds due at closing
$851,804No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$829,189.09
Your down payment$829,189.09
Closing costs + prepaids$22,614.56
Total buyer cash needed$851,803.65
Remaining funds due$851,803.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$11,710.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,709.05
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,927.50
Prepaid interest, first (2 days)$50.01
Fees + prepaids$22,614.56
Your down payment is the seller’s equity. You take over the $341,811 balance, so the rest of the $1,171,000 price is paid at closing. A second mortgage can cover part of it. $851,803.65 is due at closing. Uses and sources reconcile at $1,193,614.56 each. Not a Closing Disclosure.